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JOHN WAGNER

925.998.5608 jpwag48@gmail.com
Linkedin.com/in/jpwag

SUMMARY
Results-driven Strategic Financial Services Executive who brings a dynamic blend of multi-industry transitional
business acumen combined with strong relationship skills. Possesses a successful, diverse and passionate
background in consumer banking, disruptive technologies, innovative problem solving, consumer finance, biz-dev,
strategy, collaboration, sales planning/execution, negotiator and team-building expertise. Client-focused success in
diverse market sectors (e.g. financial service [banking, insurance]; technology start-ups) through operational
efficiency, expanded capabilities, restructuring, and smooth integration of innovative, disruptive technology
solutions. Accustomed to addressing Boards and stakeholders. Ability to bring people along on a journey.

Strategic Planning
Consumer Credit Loan Growth
Performance Strategies
Collaborative Initiatives

Leadership Development
Business Development
Mentoring/Coaching
Loan Modeling Dashboard

PROFESSIONAL EXPERIENCE
JPW Consulting, Ltd., Walnut Creek, CA
2015 Present
Managing Principal - Founder
Consulting firm based on four dimensions of collaboration: target value, risk mitigation, capability optimization and
client alignment to achieve objectives. Provide wide array of comprehensive services: e.g. consumer lending,
business development, strategic planning, organizational development, financial analysis, large-scale budget
control, high level client relations, and retention practices. Utilized hands-on expertise in financial oversight and
deployment of business expansion methodologies.
ACCENTURE, San Francisco, CA (Fortune Global 500)
2013 2014
Bid Management
Identified, assessed and solved complex business problems for North America Financial Service, (Banking,
Insurance and Capital Market) clients. Core to this process included the management analysis of situations or data,
in-depth evaluation of variable factors and building internal assets for successful result.
Overall +10 % growth FY2014 for NA Financial Services
Supported effort to grow Global Leader in Credit Card Services into a key client status
Successfully coordinated and conducted cutting-edge digital asset educational workshop for national
Managing Director audience with 4.7/5.0 positive feedback
Chiodo Art, Napa, CA
2011 2013
Director of Business Development - Strategy (consultant)
Generated Marketing Plan; increased project volume by over 28%, gross margins by 12%, deal close ratios
by 26%, while streamlining processes.
Leveraged my business acumen and financial knowledge to expand market share; public art spaces, luxury
hotels, PGA, World Golf Hall of Fame and major league sport entities.
CresHub, Alamo, CA (collaborative commercial real estate technology start-up)
2010 2011
Co-Founder
Provided a single point of contact for debtors (investors) and lenders seeking a full range of services with
"Best-of-Class" expertise to facilitate the evaluation, restructuring, repositioning, and disposition solutions of
distressed commercial real estate. Focus was California, specifically Bay Area and the Sacramento Valley.
CresHub was primarily a marketing company whose purpose was to identify opportunities for our
affiliates (partners) utilizing our various web-based and direct marketing strategies.
Intelli-Financial Services, San Ramon, CA (technology start-up)
President/Co-Founder

2008 2010

JOHN WAGNER (925) 998-5608

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Created strategic organizational structure, business plan, sales and service plan and recruited early stage
investors of roll-out of disruptive electronic content management (ECM) software solutions for financial
service category.

KAIPERM Federal Credit Union, Oakland, CA


2007 2008
Chief Lending Officer (consultant)
Restructured consumer asset management policies, procedures and operations to improve loans per
employee ratio by 21%.
Improved loan mix to reduce risk, e.g. improved margins by 0.94%, increased loan-to-asset ratio by 11%,
while achieving an overall 19% loan portfolio growth.
Reduced net charge-offs by 127%.

Sterlent Credit Union, San Francisco Bay Area, CA


1991 2006
President/CEO
Federal Regulator (National Credit Union Administration) approved and hired to lead turnaround for full-service,
state-chartered $140 Million asset community credit union. Success achieved through effective strategic planning,
collaborated P&L, zero-based budgeting, funding acquisitions, multi-stage senior management cycles, team building
and member-first (consumer) driven culture.
Achieved asset growth of 67%; grew net capital from 0.20% to 8.52% through effective strategic planning,
leading-edge technology solutions, management cycles, top-tier service metrics and team-building culture.
Successfully improved regulatory (NCUA) rating from CAMEL 4 to CAMEL 2 within 15 months of initial
hiring; also reached consistent CAMEL 1 (highest rating) in Asset Management and Quality categories.
Enhanced the loan portfolio by 78%, strengthened asset management processes to achieve an average
net charge-off of 0.41% over last 5 years (industry average 0.93%) and pioneered a loan automation
processing software platform with risk-based lending.
Reduced operational costs by 37%, while expanding delivery channels with early-adopted technology
resource partners. Improved cost-to-income ratio to industry top 90th percentile.
Facilitated a proprietary asset management dashboard which tracked trends, class performance, identified
vulnerabilities for real-time control of key performance asset indicators.
ADDITIONAL RELEVANT EXPERIENCE
President/CEO, Lomas Credit Union, Dallas, Texas
Regional Operations Officer, GEICO (Fortune 1000) Financial Services, USA, Europe

EDUCATION
Bachelor of Arts: Public Relations/Journalism/Business
University of South Dakota, Vermillion, SD

PROFESSIONAL DEVELOPMENT

Completed Certified Chief Executive (CCE) three year program in conjunction with the following
Graduate Business Schools: University of California-Berkeley, Cornell and University of Virginia.
Finished the Executive Development program sponsored by the California Credit Union League and
Credit Union National Association facilitated through the Stanford Graduate School of Business.

MILITARY SERVICE
IOWA NATIONAL GUARD
1st Lieutenant
Tasked with a wide range of field operations involving artillery units during a 7-year service period.
Consistently earned positive job evaluations and excellent ratings.
Promoted to this position after initial commissioning as 2nd Lieutenant with ROTC program at the
University of South Dakota.
Honorable Discharge.